By otakuyassine3@gmail.com 
Blue Ridge Bankshares (NASDAQ:BRBS – Get Free Report) and HarborOne Bancorp (NASDAQ:HONE – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their earnings, risk, profitability, valuation, dividends, institutional ownership and analyst recommendations.
Analyst Recommendations
This is a breakdown of current ratings and recommmendations for Blue Ridge Bankshares and HarborOne Bancorp, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Blue Ridge Bankshares | 0 | 0 | 0 | 0 | 0.00 |
| HarborOne Bancorp | 0 | 1 | 0 | 0 | 2.00 |
HarborOne Bancorp has a consensus price target of $13.00, indicating a potential upside of 23.57%. Given HarborOne Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe HarborOne Bancorp is more favorable than Blue Ridge Bankshares.
Dividends
Blue Ridge Bankshares pays an annual dividend of $0.49 per share and has a dividend yield of 14.6%. HarborOne Bancorp pays an annual dividend of $0.32 per share and has a dividend yield of 3.0%. Blue Ridge Bankshares pays out -76.6% of its earnings in the form of a dividend. HarborOne Bancorp pays out 48.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Blue Ridge Bankshares has raised its dividend for 10 consecutive years. Blue Ridge Bankshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Insider and Institutional Ownership
50.5% of Blue Ridge Bankshares shares are owned by institutional investors. Comparatively, 65.0% of HarborOne Bancorp shares are owned by institutional investors. 4.9% of Blue Ridge Bankshares shares are owned by company insiders. Comparatively, 4.9% of HarborOne Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Volatility & Risk
Blue Ridge Bankshares has a beta of 0.82, indicating that its stock price is 18% less volatile than the S&P 500. Comparatively, HarborOne Bancorp has a beta of 0.75, indicating that its stock price is 25% less volatile than the S&P 500.
Profitability
This table compares Blue Ridge Bankshares and HarborOne Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Blue Ridge Bankshares | -8.84% | -5.48% | -0.52% |
| HarborOne Bancorp | 8.61% | 4.63% | 0.46% |
Valuation and Earnings
This table compares Blue Ridge Bankshares and HarborOne Bancorp”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Blue Ridge Bankshares | $92.23 million | 2.67 | -$15.39 million | ($0.64) | -5.23 |
| HarborOne Bancorp | $318.33 million | 1.46 | $27.41 million | $0.66 | 15.94 |
HarborOne Bancorp has higher revenue and earnings than Blue Ridge Bankshares. Blue Ridge Bankshares is trading at a lower price-to-earnings ratio than HarborOne Bancorp, indicating that it is currently the more affordable of the two stocks.
Summary
HarborOne Bancorp beats Blue Ridge Bankshares on 10 of the 16 factors compared between the two stocks.
About Blue Ridge Bankshares
Blue Ridge Bankshares, Inc. operates as a bank holding company for the Blue Ridge Bank, National Association that provides commercial and consumer banking, and financial services. It operates through: Commercial Banking and Mortgage Banking segments. The company accepts checking, savings, money market, cash management, and individual retirement accounts, as well as certificates of deposit. It also offers commercial and industrial, residential mortgages, commercial mortgages, home equity, consumer installment, and guaranteed government loans; and residential mortgage loans and mortgages loans on real estate. In addition, it provides wire, direct deposit payroll, remote deposit, electronic statement, and other services; and property and casualty insurance products to individuals and businesses, as well as online, mobile, and telephone banking services. Further, the company offers employee benefit plans and administration services; management services for personal and corporate trusts, including estate planning and settlement, and trust administration, investment and wealth management services. It operates in Callao, Charlottesville, Chester, Colonial Heights, Culpeper, Fredericksburg, Gordonsville, Harrisonburg, Hartfield, Henrico, Kilmarnock, Louisa, Luray, Martinsville, Midlothian, Mineral, Montross, Orange, Petersburg, Richmond, Shenandoah, Suffolk, Virginia Beach, Warsaw, and White Stone, Virginia; and Greensboro, North Carolina. The company was founded in 1893 and is headquartered in Charlottesville, Virginia.
About HarborOne Bancorp
HarborOne Bancorp, Inc. operates as the holding company for HarborOne Bank that provides financial services to individuals, families, small and mid-size businesses, and municipalities. The company operates in two segments, HarborOne Bank and HarborOne Mortgage. Its primary deposit products include checking, money market, savings, and term certificate of deposit accounts; and primary lending products comprise commercial real estate, commercial, residential mortgages, home equity, and consumer loans. The company also originates, sells, and services residential mortgage loans. In addition, it provides various educational services, such as free digital content, webinars, and recordings for small business and personal financial education under the HarborOne U name. The company operates through a network of full-service branches located in Massachusetts and Rhode Island, as well as commercial lending offices in each of Boston, Massachusetts, and Providence, Rhode Island, as well as administrative offices in Brockton, Massachusetts, as well as ATM locations in Massachusetts. HarborOne Bancorp, Inc. was founded in 1917 and is headquartered in Brockton, Massachusetts.
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